Condo Insurance

Florida

Condominium Insurance

Condominium insurance is unique. Condo insurance (also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Your association typically insures the physical structure/building and other common areas. Condo owners are generally responsible for their unit's interior, things like floors, walls, cabinets, and fixtures that your association's insurance likely doesn't cover. We can help you find the best Condominium insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and competitive pricing.

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LET US KNOW Tell us about your insurance needs.

It’s essential to understand what your coverage options are — not just for your condominium unit, but for you, and to others.

Learn more about Condo Insurance Coverage Understanding the different types of coverages can help you find the right Condominiun Insurance policy for your needs and budget.

Why do you need Condo Insurance?

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What does Condo Insurance Cover?
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How Much does Condo Insurance cost?

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Why do you need Condo Insurance?

Condo Insurance is especially important because damage to your unit doesn’t affect just you, but it affects your neighbors in your building or complex, too.
Be sure to consult your HOA agreement to determine what the Association policy covers and what your responsibility. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.

Here are some specific benefits of Condominium – HOA insurance:

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Want to see how much we can save you?
Just request a quote to find out.

What Condo Insurance Cover?

Your Condo Unit is the center of your world — the place where family and friends meet and memories are made.

Condo insurance works similarly to single-family homeowner’s insurance, but it’s usually a little more customizable. You may decide that you only want to buy personal property and liability insurance if your homeowner’s association covers your dwelling insurance.

A few coverages that are available through most policies as either required or optional protections and includes:

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Building Coverages
Unit Coverage

This coverage pays for structural elements like walls and floors inside your unit.

Insured
Commun Structures

Provides coverage if common areas are damaged, various limits of loss assessment coverage are available. Consult the HOA agreement to determine the potential for such assessments.

Insured
Personal Coverages
Personal Property

This coverage helps cover your personal property not attached your own home, such as furniture and clothing.

Insured
Loss of Use

This coverage help you to pay for additional living expenses if you’re unable to live in your home due to a covered loss.

Insured
Liability Coverages
Liability Insurance

Offers protection from a variety of potential liability lawsuits that accuse a homeowner of causing injury or damages.

Others
Medical Coverage
Medical Payments to others

These covers pay for minor injuries if a guest hurt on your property. They are usually sold in a small amount.

Others
Common covered perils on Florida homeowners insurance policy
  • Fire, or Lightning.
  • Weather-related damage,
    such as windstorm or hail.
  • Water damage,
    not from flood.
  • Damage caused by
    Falling Objects.
Hazards, such as floods and earthquakes, are not typically covered by standard policies, for such perils, additional coverage options are available.

Customers who need condo insurance may need special coverage for their jewelry collection like engagement rings, wedding bands, and diamond bracelets. We can help you with a jewelry insurance policy to cover your valuables.

As an independent agency, we’re able to request quotes from several insurers; you can compare and review each quote to determine which one provides the best coverage at the most affordable rate.

We’re always pleased to provide professional and friendly consultations regarding Condo Insurance to help you understand the importance of insurance protection you can truly be comfortable with.

How Much does Condo Insurance Cost?

Condo, HOA insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence condo insurance rates.

Base Demographic — Your age, your gender, your marital status, and education will affect your insurance rates in different ways.
Condo Features and Characteristic — Condos age, type of structure, wiring, roof, garage, etc.
Your Condo – HOA Location — The location of your home can change your Condo insurance premium. Near water it’ll increase the rate.
Personal Factors — Your habits can affect your Condo insurance premium. Ex: smokers may pay more, good credit history can lower the premium.
Credit History — The better your credit, the more favorable your rates will usually be.
Protective Devices — Monitors alarm systems, smoke detectors, fire extinguishers, can lower the premium.
Claims History — Claims maid on a homeowner’s insurance policy it’ll increase the premium.
Your Household — Insurance companies underwrite at the household level, meaning they try to base insurance rates on the habits of the entire family.
Coverages You choose — Your insurance and coverage amounts choices and deductibles, have a significant impact on how much you’ll pay.
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WHY CHOOSE WE INSURE?

Choice

Florida Top-rated Insurance Companies.

Experience

Florida Top-rated Insurance Companies.

Support

We’ll be there for you whenever you need us.

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